Mississippi Bankruptcy Laws

What Are The Mississippi Bankruptcy Exemptions?

MississippiMississippi law protects all or a portion of your property from being seized by creditors or the bankruptcy trustee in a Chapter 7 bankruptcy. In a Chapter 13 bankruptcy, you are generally allowed to keep all of your assets and property. Certain exceptions may apply, so its wise to consult with a Mississippi bankruptcy attorney to find which of your assets will be protected in a bankruptcy filed in Mississippi. In general, the major Mississippi bankruptcy exemptions include:

GENERAL MISSISSIPPI EXEMPTIONS
Real Estate (the Homestead Exemption)
Up to $75,000 of equity in land and buildings can be protected; Up to $20,000 of equity in a mobile or manufactured home used as a primary residence can be protected.
Automobiles
There is no specific automobile exemption in Mississippi.
Other Property
Tangible personal property of the following kinds not exceeding $10,000.00 in cumulative value: household goods, wearing apparel, books, animals or crops, motor vehicles, implements, professional books or tools of the trade, cash on hand, and professionally prescribed health aids; and any item of tangible personal property worth less than $200.
Go to the complete list of Mississippi bankruptcy exemptions

Please remember that this page provides general information only, and is not intended to provide legal advice. The information is not a substitute for the advice of a qualified bankruptcy attorney. If you need legal assistance, consult an attorney.

Which state’s exemption laws apply in your bankruptcy?

MississippiGenerally, the laws of the state in which you lived for the 730 days (2 years) prior to filing a bankruptcy petition will apply in your bankruptcy.

If you have not lived in the same state for the 2 years immediately prior to filing your bankruptcy petition, the laws of the state in which you lived for the majority of the 180-day period preceding the 2-year period will likely apply.

If application of the preceding general rules renders you ineligible for exemptions under any states laws, you may be allowed to choose the federal exemptions applicable in your bankruptcy.

Is Mississippi a Community Property State?

No, Mississippi is not a community property state. Because it is not a community property state, you will be responsible for your spouses debts only if you voluntarily assumed those debts by, for example, co-signing on a loan given to your spouse. In a non-community property state, one spouse can file for bankruptcy and be eligible to eliminate all of their unsecured debts without the involvement of the other spouse.

How did your senator vote on the new bankruptcy laws?

Following years of intense lobbying by creditors, Congress passed the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA). How did your Senators vote on these largely pro-creditor provisions?

Cochran (R-MS) – YEA
Lott (R-MS) – YEA

Mississippi Bankruptcy Court Locations:

United States Bankruptcy Court
Northern District of Mississippi
Thad Cochran U. S. Courthouse

703 Hwy 145 North
Aberdeen, MS 39730
(662) 369-2596

Jackson Office
100 East Capitol Street
Jackson, MS 39201
(601) 965-5301

Gulfport Office
Dan M. Russell, Jr. U. S. Courthouse

2012 15th Street, Suite 244
Gulfport, MS 39501
(228) 563-1790

Note: You may not have to actually go to one of the above bankruptcy courts. Trustees often conduct your meeting at a local venue.

Although bankruptcy is federal law, the bankruptcy courts in each jurisdiction have local rules that must be followed. A local bankruptcy attorney will be familiar with the specific rules in your area.

Mississippi Bankruptcy Attorney Locations:

Bankruptcy Attorneys in the state of Mississippi

  1. Amory
  2. Batesville
  3. Biloxi
  4. Brookhaven
  5. Clinton
  6. Columbus
  7. Corinth
  8. Greenville
  9. Grenada
  10. Gulfport
  11. Hattiesburg
  12. Holly Springs
  13. Jackson
  14. Laurel
  15. Leakesville
  16. Leland
  17. Lucedale
  18. Madison
  19. Magee
  20. Marion
  21. McComb
  22. Meridian
  23. Ocean Springs
  24. Okolona
  25. Olive Branch
  26. Oxford
  27. Pearl
  28. Philadelphia
  29. Picayune
  30. Ridgeland
  31. Ripley
  32. Southaven
  33. Starkville
  34. Tupelo
  35. Vicksburg
Amory Payday Loans
Website Company Telephone Address
moffettlaw.com Moffett Law Firm (662) 844-0836 Moffett Law Firm, 401 S Main St, Amory, MS 38821, United States
Batesville Payday Loans
Website Company Telephone Address
hugheslawgroup.net Hughes Law Group (662) 360-4913 Hughes Law Group, 327 US-51 Suite 2, Batesville, MS 38606, United States
Biloxi Payday Loans
Website Company Telephone Address
jasongraeberlaw.com Jason Graeber Law Office (228) 207-7117 Jason Graeber Law Office, 2496 Pass Rd, Biloxi, MS 39531, United States
blackledgelawfirm.com Blackledge Law Firm (228) 669-6254 Blackledge Law Firm, 2472 Pass Rd, Biloxi, MS 39531, United States
gardnerlawfirmpc.com Gardner Law Firm (228) 436-6555 Gardner Law Firm, 178 Main St #101, Biloxi, MS 39530, United States
Brookhaven Payday Loans
Website Company Telephone Address
richardgrindstaff.com Richard R. Grindstaff (601) 684-1798 Richard R. Grindstaff, 512 Schwem Ave, Brookhaven, MS 39601, United States
Clinton Payday Loans
Website Company Telephone Address
therollinsfirm.com The Rollins Law Firm (601) 401-6826 The Rollins Law Firm, 402 E Main St, Clinton, MS 39056, United States
tkbyrnelawoffice.com T.K. Byrne Attorney At Law (601) 925-9482 T.K. Byrne Attorney At Law, 604 Hwy 80 W Suite M, Clinton, MS 39056, United States
mcraneymcraney.com McRaney & McRaney (601) 924-5961 McRaney & McRaney, 503 Springridge Rd, Clinton, MS 39056, United States
Columbus Payday Loans
Website Company Telephone Address
gawyn.com Gawyn Mitchell (662) 327-3344 Gawyn Mitchell, 112 5th St S, Columbus, MS 39701, United States
329bill.com Bill Cunningham Attorney at Law (662) 329-2455 Bill Cunningham Attorney at Law, 817 2nd Ave N, Columbus, MS 39701, United States
therollinsfirm.com The Rollins Law Firm (662) 340-8492 The Rollins Law Firm, 401 7th St N, Columbus, MS 39701, United States
Corinth Payday Loans
Website Company Telephone Address
jwindsorlaw.com John O. Windsor, Attorney at Law (662) 872-0121 John O. Windsor, Attorney at Law, 602 E Waldron St, Corinth, MS 38834, United States
mcdebtfree.com Mitchell & Cunningham, P.C. (662) 286-5665 Mitchell & Cunningham, P.C., 307 E Waldron St, Corinth, MS 38834, United States
odomallredattorneys.com Odom and Allred, P.A. Attorneys at Law (662) 286-9311 Odom and Allred, P.A. Attorneys at Law, 404 E Waldron St, Corinth, MS 38834, United States
Greenville Payday Loans
Website Company Telephone Address
boydlawoffice.com Boyd Law Office (662) 332-0202 Boyd Law Office, 123 Hwy 82 W, Greenville, MS 38701, United States
susancsmithlawfirm.com Susan C. Smith, Attorney at Law (662) 378-2558 Susan C. Smith, Attorney at Law, 819 Main Street, Annex, Building Suite B, Greenville, MS 38702, United States
hugheslawgroup.net Hughes Law Group (662) 330-1503 Hughes Law Group, 124 S Broadway St Suite C1, Greenville, MS 38701, United States
jmadisonbrooks.com J Madison Brooks III Attorney at Law (662) 378-5298 J Madison Brooks III Attorney at Law, 3401 US-82, Greenville, MS 38701, United States
Grenada Payday Loans
Website Company Telephone Address
adamslaw4u.com Adams Law Office LLC (662) 579-8232 Adams Law Office LLC, 141 Tallahoma Dr, Grenada, MS 38901, United States
Gulfport Payday Loans
Website Company Telephone Address
shariherring.com Shari Herring, Attorney at Law (228) 343-3982 Shari Herring, Attorney at Law, 549 E Pass Rd, Gulfport, MS 39507, United States
wesslerbankruptcy.com Wessler Bankruptcy Law Firm (228) 863-3686 Wessler Bankruptcy Law Firm, 1624 24th Ave, Gulfport, MS 39501, United States
varnadolawfirm.com Varnado Law Firm (228) 896-3374 Varnado Law Firm, 12178 US 49 STE C, Gulfport, MS 39503, United States
deminglawfirm.com Deming Law Firm (228) 331-4529 Deming Law Firm, 1908 24th Ave, Gulfport, MS 39501, United States
yentzenlaw.com Esplanade Land & Title Company, LLC (228) 594-8860 Esplanade Land & Title Company, LLC, 1914 24th Ave, Gulfport, MS 39501, United States
Hattiesburg Payday Loans
Website Company Telephone Address
ashlaw.ms Ash Law Firm, PLLC (601) 543-0100 Ash Law Firm, PLLC, 1507 Hardy St #203, Hattiesburg, MS 39401, United States
paulcastonlaw.com Paul B Caston, Attorney At Law (601) 329-8968 Paul B Caston, Attorney At Law, 807 W Pine St b, Hattiesburg, MS 39401, United States
gadowtyler.com Gadow / Tyler, PLLC (601) 355-0654 Gadow / Tyler, PLLC, 607 Corinne St Ste B6, Hattiesburg, MS 39401, United States
chelseamintonlaw.com Law Office of Chelsea Bair Minton (601) 620-4348 Law Office of Chelsea Bair Minton, 5267 Old Hwy 11 Suite B, Hattiesburg, MS 39402, United States
rettiglawgroup.com Rettig Law Group PLLC (601) 336-0603 Rettig Law Group PLLC, 1507 Hardy St Suite #208, Hattiesburg, MS 39401, United States
weebly.com Jones Vanessa (601) 582-9177 Jones Vanessa, 6088 US 49, Hattiesburg, MS 39401, United States
bondnbotes.com Bond & Botes Law Offices (601) 264-7200 Bond & Botes Law Offices, 607 Corinne St, Hattiesburg, MS 39401, United States
lawrence-law.glfhost.com Charles E Lawrence Jr (601) 582-4157 Charles E Lawrence Jr, 1105 Edwards St, Hattiesburg, MS 39401, United States
therollinsfirm.com The Rollins Law Firm (601) 488-2848 The Rollins Law Firm, 702 W Pine St, Hattiesburg, MS 39401, United States
mclaughlinfamilylaw.com McLaughlin Law Firm (601) 579-7500 McLaughlin Law Firm, 14 98th Pl Blvd, Hattiesburg, MS 39402, United States
grillolawms.com Grillo Law Firm (769) 390-7935 Grillo Law Firm, 607 Corinne St, Hattiesburg, MS 39401, United States
wesstover.com Law Offices Of Wes Stover (601) 602-8292 Law Offices Of Wes Stover, 201 Hardy St, Hattiesburg, MS 39401, United States
Holly Springs Payday Loans
Website Company Telephone Address
northmsbankruptcy.com Schneller & Lomenick, P.A. (662) 252-3224 Schneller & Lomenick, P.A., 126 N Spring St, Holly Springs, MS 38635, United States
Jackson Payday Loans
Website Company Telephone Address
mississippibankruptcyhelp.com Coxwell Attorneys, PLLC (601) 948-4450 Coxwell Attorneys, PLLC, 1675 Lakeland Dr #102, Jackson, MS 39216, United States
msbankruptcyattorney.com Lee Law Office, PLLC (601) 714-1144 Lee Law Office, PLLC, 405 Briarwood Dr #210a, Jackson, MS 39206, United States
ashlaw.ms Ash Law Firm PLLC (601) 981-5600 Ash Law Firm PLLC, 1818 Crane Ridge Dr Suite 100, Jackson, MS 39206, United States
jacksonmsbankruptcy.com Pond Law Firm (601) 948-4878 Pond Law Firm, 1650 Lelia Dr Suite 101, Jackson, MS 39216, United States
wesstover.com The Law Offices Of Wes Stover (601) 949-5000 The Law Offices Of Wes Stover, 403 State St, Jackson, MS 39201, United States
cwgibsonlaw.com Gibson & Mullennix, PLLC (601) 407-9190 Gibson & Mullennix, PLLC, 1755 Lelia Dr Suite 300, Jackson, MS 39216, United States
gadowtyler.com Gadow Tyler PLLC (601) 355-0654 Gadow Tyler PLLC, 511 E Pearl St, Jackson, MS 39201, United States
tatumandwadepllc.com Tatum and Wade PLLC (601) 948-7770 Tatum and Wade PLLC, 124 E Amite St, Jackson, MS 39201, United States
richardgrindstaff.com Richard R Grindstaff (601) 346-6443 Richard R Grindstaff, 840 E River Pl, Jackson, MS 39202, United States
therollinsfirm.com The Rollins Law Firm (601) 202-5296 The Rollins Law Firm, 4316 Old Canton Rd #101-C, Jackson, MS 39211, United States
Laurel Payday Loans
Website Company Telephone Address
wesstover.com Law Offices of Wes Stover (601) 649-1867 Law Offices of Wes Stover, 511 Central Ave Suite D, Laurel, MS 39440, United States
Leakesville Payday Loans
Website Company Telephone Address
longmirelawms.com Longmire Law, PLLC (601) 258-3611 Longmire Law, PLLC, 412 Lafayette Ave STE B, Leakesville, MS 39451, United States
Leland Payday Loans
Website Company Telephone Address
heathfranklin.com Heath Franklin, Bankruptcy Attorney (662) 771-5133 Heath Franklin, Bankruptcy Attorney, 205-A N Broad St, Leland, MS 38756, United States
Lucedale Payday Loans
Website Company Telephone Address
longmirelawms.com Longmire Law PLLC (601) 258-3611 Longmire Law PLLC, 832 Winter St, Lucedale, MS 39452, United States
Madison Payday Loans
Website Company Telephone Address
saxton.law Saxton Law, PLLC (601) 790-0529 Saxton Law, PLLC, 986 Madison Ave, Madison, MS 39110, United States
Magee Payday Loans
Website Company Telephone Address
warelawfirm.com Ware Law Firm, PLLC (601) 439-7079 Ware Law Firm, PLLC, 216 1st Ave NE, Magee, MS 39111, United States
Marion Payday Loans
Website Company Telephone Address
dougengell.com Douglas M Engell, Attorney at Law (601) 693-6311 Douglas M Engell, Attorney at Law, 6171 Dale Dr, Marion, MS 39342, United States
McComb Payday Loans
Website Company Telephone Address
smithchoudoirlaw.com Smith & Choudoir Law PLLC (601) 249-3386 Smith & Choudoir Law PLLC, 116 7th St, McComb, MS 39648, United States
slipherlaw.com LeeAnn Slipher, Attorney at Law (601) 684-3200 LeeAnn Slipher, Attorney at Law, 223 State St, McComb, MS 39648, United States
ashlaw.ms Ash Law Firm PLLC (601) 250-1500 Ash Law Firm PLLC, 612 Delaware Ave #12, McComb, MS 39648, United States
Meridian Payday Loans
Website Company Telephone Address
ashlaw.ms Ash Law Firm, PLLC (601) 693-9951 Ash Law Firm, PLLC, 1931 23rd Ave, Meridian, MS 39301, United States
Ocean Springs Payday Loans
Website Company Telephone Address
jeffreygpierce.com Jeffrey G. Pierce, PLLC (Law Office) (228) 875-3715 Jeffrey G. Pierce, PLLC (Law Office), 1629 Government St, Ocean Springs, MS 39564, United States
gulfcoastlawyer.com Sheehan And Ramsey (228) 875-0572 Sheehan And Ramsey, 429 Porter Ave, Ocean Springs, MS 39564, United States
Okolona Payday Loans
Website Company Telephone Address
genebarton.net Gene Barton (662) 260-6646 Gene Barton, 102 N Church St, Okolona, MS 38860, United States
Olive Branch Payday Loans
Website Company Telephone Address
walshlawfirmpllc.com Walsh Law Firm PLLC (662) 205-6546 Walsh Law Firm PLLC, 6831 Crumpler Blvd #200, Olive Branch, MS 38654, United States
corneliuslawfirm.com CORNELIUS LAW FIRM (662) 895-1516 CORNELIUS LAW FIRM, 6819 Crumpler Blvd #201, Olive Branch, MS 38654, United States
Oxford Payday Loans
Website Company Telephone Address
northmsbankruptcy.com Schneller & Lomenick, P.A. (662) 252-3224 Schneller & Lomenick, P.A., Mailbox 11, 1328 N Lamar Blvd Apartment C, Oxford, MS 38655, United States
ssdisabilityattys.com Gambrell & Associates PLLC (662) 281-8800 Gambrell & Associates PLLC, 101 Ricky D Britt Sr Blvd #3a, Oxford, MS 38655, United States
mybillsbills.com The Law Office of Denvil F. Crowe PLLC (662) 844-7949 The Law Office of Denvil F. Crowe PLLC, 428 N Lamar Blvd, Oxford, MS 38655, United States
Pearl Payday Loans
Website Company Telephone Address
dabbslaw-ms.com Dabbs Law Firm PC (601) 664-2400 Dabbs Law Firm PC, A, 209 Park Pl Dr, Pearl, MS 39208, United States
dabbslaw-ms.com Charlie Julian, bankruptcy lawyer (601) 497-3487 Charlie Julian, bankruptcy lawyer, 209 Park Pl Dr, Pearl, MS 39208, United States
Philadelphia Payday Loans
Website Company Telephone Address
settlemiresgraham.com Settlemires & Graham PLLC (601) 656-9597 Settlemires & Graham PLLC, 410 W Beacon St, Philadelphia, MS 39350, United States
Picayune Payday Loans
Website Company Telephone Address
gregoryjalston.com Gregory J. Alston Attorney at Law (601) 543-9821 Gregory J. Alston Attorney at Law, 311 Williams Ave, Picayune, MS 39466, United States
Ridgeland Payday Loans
Website Company Telephone Address
msdebthelp.com H. Tobias Coleman, PLLC (601) 853-9966 H. Tobias Coleman, PLLC, 525 Thomastown Ln b, Ridgeland, MS 39157, United States
damienslaw.com Damiens Law Firm, PLLC (601) 202-9788 Damiens Law Firm, PLLC, 996 Northpark Dr suite a, Ridgeland, MS 39157, United States
lawrem.com Appointment With Attorney Elizabeth Johnson Spell (601) 427-5356 Appointment With Attorney Elizabeth Johnson Spell, 220 W Jackson St, Ridgeland, MS 39157, United States
Ripley Payday Loans
Website Company Telephone Address
akinsadams.com Akins & Adams PA (662) 837-9976 Akins & Adams PA, 108 E Jefferson St, Ripley, MS 38663, United States
Southaven Payday Loans
Website Company Telephone Address
boydlawoffice.com Boyd Law Office (662) 332-0202 Boyd Law Office, 7075 Golden Oaks Loop W #18th, Southaven, MS 38671, United States
favafirm.com Fava Firm (662) 536-1116 Fava Firm, 155 Stateline Rd E, Southaven, MS 38671, United States
obrienfirm.com O’Brien Law Firm, LLC (662) 349-3339 O’Brien Law Firm, LLC, 1890 Goodman Rd E, Southaven, MS 38671, United States
heidimilambankruptcy.attorney Heidi Milam (662) 349-2322 Heidi Milam, 7160 Tchulahoma Rd a5, Southaven, MS 38671, United States
mayfieldlawfirm.com Mayfield Law Firm, P.A. (662) 404-8501 Mayfield Law Firm, P.A., 910 Goodman Rd E Suite A, Southaven, MS 38671, United States
bankruptcyproblemssolved.com Hughes Law Group, PLLC (662) 298-3607 Hughes Law Group, PLLC, 5627 Getwell Rd building b suite 5, Southaven, MS 38672, United States
salulawfirm.com Salu & Salu Law Firm, PLLC (662) 298-6467 Salu & Salu Law Firm, PLLC, 2129 Stateline Rd W suite a, Southaven, MS 38671, United States
gileskinglaw.net Law Office of Giles W. King (662) 349-3111 Law Office of Giles W. King, 5699 Getwell Rd Building F, Suite 1, Southaven, MS 38672, United States
mayfieldlawfirm.net Mayfield Law Firm, P.A. (662) 404-8434 Mayfield Law Firm, P.A., 910 Goodman Rd E, Southaven, MS 38671, United States
Starkville Payday Loans
Website Company Telephone Address
mallettelaw.com Mallette Law Office (662) 320-4411 Mallette Law Office, 101 S Washington St, Starkville, MS 39759, United States
Tupelo Payday Loans
Website Company Telephone Address
amandadanielslaw.com Law Offices of Amanda Todd Daniels (662) 678-8009 Law Offices of Amanda Todd Daniels, 359 N Spring St, Tupelo, MS 38804, United States
mlawms.com Middleton & Tinsley Law Firm PLLC (662) 205-4749 Middleton & Tinsley Law Firm PLLC, 2604 Main St, Tupelo, MS 38801, United States
mcdebtfree.com Mitchell & Cunningham (662) 407-0408 Mitchell & Cunningham, 112 N Broadway St, Tupelo, MS 38804, United States
tupelolowcostbankruptcy.com Tupelo Low Cost Bankruptcy Center (662) 269-6053 Tupelo Low Cost Bankruptcy Center, 346 N Green St, Tupelo, MS 38804, United States
northmississippilaw.com Wheeler & Franks Law Firm PC (662) 636-6055 Wheeler & Franks Law Firm PC, 114 S Broadway St, Tupelo, MS 38804, United States
starlinglaw.com Starling Law (662) 840-5151 Starling Law, 315 N Broadway St, Tupelo, MS 38804, United States
mayfieldlawfirm.com Mayfield Law Firm, P.A. (662) 841-8844 Mayfield Law Firm, P.A., 106 W Franklin St, Tupelo, MS 38804, United States
Vicksburg Payday Loans
Website Company Telephone Address
bondnbotes.com Bond & Botes Law Offices (601) 638-3400 Bond & Botes Law Offices, 1212 Farmer St, Vicksburg, MS 39183, United States
therollinsfirm.com The Rollins Law Firm (601) 500-5533 The Rollins Law Firm, 913 Crawford St, Vicksburg, MS 39180, United States
taxdebtattys.com Richard F. Dean, PLLC (601) 914-1180 Richard F. Dean, PLLC, 1090 Riley Rd, Vicksburg, MS 39183, United States
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